| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | UNITED HEALTHCARE INSURANCE COMPANY | — | $61K | $61K | 4.53% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL OF ARKANSAS | $9K | — | $9K | 13.00% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | SUN LIFE FINANCIAL | $9K | — | $9K | 21.37% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | SUN LIFE FINANCIAL | $2K | — | $2K | 6.03% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL OF ARKANSAS | $5K | — | $5K | 20.00% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | GUARDIAN | $4K | $1K | $6K | 26.58% |
| CHARTWELL FINANCIAL GROUP LLC3 | 6000 POPLARE AVE 113 MEMPHIS, TN 38119 | GUARDIAN | $43 | — | $43 | 0.20% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | 5 STAR LIFE INSURANCE COMPANY | $4K | — | $4K | 30.26% |
| GREGORY HATCHER3 | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | 5 STAR LIFE INSURANCE COMPANY | $14 | — | $14 | 0.10% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | LINCOLN FINANCIAL GROUP | $1K | $16 | $1K | 19.18% |
| ACRISURE LLC3 | P.O. BOX 1788 GRAND RAPIDS, MI 49501 | LINCOLN FINANCIAL GROUP | $372 | — | $372 | 6.08% |
| THE HATCHER AGENCY3 Filed as: THE HATCHER AGENRCY | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | UNUM - PROVIDENT LIFE AND INSURANCE COMPANY | $26 | — | $26 | 1.79% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 210 | $1.3M |
| Dental | DELTA DENTAL OF ARKANSAS | 224 | $67K |
| Vision | DELTA DENTAL OF ARKANSAS | 182 | $27K |
| Life insurance(4 contracts, 4 carriers) | SUN LIFE FINANCIAL | 242 | $62K |
| Short-term disability(3 contracts, 3 carriers) | SUN LIFE FINANCIAL | 113 | $62K |
| Long-term disability | SUN LIFE FINANCIAL | 242 | $41K |
| Other | GUARDIAN | 43 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.